Cashflow

Pay Raise Impact

That 5% raise sounds nice — but how much actually shows up in your paycheck? See gross vs net, monthly take-home change, and the long-term compounding impact.

Run the numbers

Enter your current salary and your raise — by amount or percentage.

Your inputs

Enter raise as…

Current annual salary

New annual salary

Effective tax rate (federal + state + FICA)

Pay frequency

What the raise actually means

After-tax monthly increase

—

Per paycheck: —

Gross annual raise

—

After-tax annual

—

Tax bite

—

Raise % (gross)

—

5-year extra take-home

—

10-year extra take-home

—

What if you invested it?

The smartest move with a raise is often to invest the difference before lifestyle creep sets in.

% of after-tax raise to invest

Annual return

%/yr

If you invested it

Future value of investing your specified % of each after-tax raise dollar, compounded at your annual return.

After 5 years

—

After 10 years

—

After 15 years

—

After 30 years

—

Keep going

Investment Projection

Plug your raise straight into a long-term investment plan.

Compound math→

Debt Payoff

Direct your raise toward debt and watch your payoff date jump forward.